Loan for refinancing

With our loan you can refinance your obligations on current accounts, credit cards and loans, as well as having an option of obtaining extra cash.

All your banking debts can be resolved quickly and easily thanks to our loan for refinancing.

You can open an Intesa Hit current account and refinance obligations arising from:

Allowed overdraft

Credit cards

Loans made in other banks

A special advantage of this loan which provides you with security when planning your monthly obligations is longer repayment period and higher loan amounth. Also, loan for refinancing gives you the possibility of obtaining extra cash.

Benefits of this loan

Longer repayment period

Higher loan amount

Possibility for obtaining extra cash

Key features

Representative example for clients

Representative example for non clients

Loan calculator

Type of loan

Loan for refinancing in dinars plus extra cash with insurance

Loan currency

RSD

Criteria for indexing

No criteria for indexing

Loan amount

25.000 - 2.250.000 RSD

Deposit/ participation

No deposit/participation

Repayment period

6 - 120 months

Interest rate (on an annual basis)

Clients *

Other citizens

For repayment period up to 84 months

For repayment period from 96 months

12% fixed

10,39% variable (6M Belibor+7,25%)**

15% fixed

13,39% variable (6M Belibor+10,25%)**

Security instruments

1 bill of exchange with a "without protest" clause

Costs which are borne by the user, are known at the time of publication and are included in the calculation of the effective interest rate

The fee for processing the loan application

1% of loan amount, one-time, for clients*

2% of loan amount, one-time, for other citizens

1 bill of exchange

Credit bureau report

50 RSD

246 RSD

Costs borne by the user and are not known at the moment of publication

No additional costs

*The stated conditions apply for individuals, employed for indefinite period, receiving the salary on the current account of in Banca Intesa.

Representative example for clients *

Type of loan

Loan for refinancing in dinars plus extra cash with insurance

Loan currency

RSD

Criteria for indexing

No criteria for indexing

Loan amount

500,000 RSD

500,000 RSD

1.000,000 RSD

2.000,000 RSD

Repayment period

60 months

84 months

120 months

120 months

Monthly instalment

11.166,22 RSD

8,873,17 RSD

13,517 RSD

27.033,28 RSD

Interest rate (on annual basis)

12% fixed

12% fixed

10,39% variable**

10,39% variable**

Fee

5,000 RSD

5,000 RSD

10,000 RSD

20,000 RSD

Effective interest rate (on an annual basis)

13,41%

13,27%

11,34%

11,34%

Costs which are borne by the user, are known at the time of publication and are included in the calculation of the effective interest rate

1 bill of exchange

Credit bureau report

50 RSD

246 RSD

* Individual who receives a salary or pension through the current account at Banca Intesa.

**Harmonization of the value of 6M BELIBOR is performed on a six-moth basis (on May 25 and November 25) with the value of 6M BELIBOR on the last day in previous month (April/ October). When presenting the interest rate, 6M BELIBOR was applied as of October 31, 2018 being 3.14%.

You can receive other calculations regarding this product in any of our Bank branches.

Representative example for non clients *

Type of loan

Loan for refinancing in dinars plus extra cash with insurance

Loan currency

RSD

Criteria for indexing

No criteria for indexing

Loan amount

500,000 RSD

500,000 RSD

1.000,000 RSD

2.000,000 RSD

Repayment period

60 months

84 months

120 months

120 months

Monthly instalment

11,952,09 RSD

9,710 RSD

15.278,06 RSD

30.556,12 RSD

Interest rate (on annual basis)

15% fixed

15% fixed

13,39% variable**

13,39% variable**

Fee

10,000 RSD

10,000 RSD

20,000 RSD

40,000 RSD

Effective interest rate (on an annual basis)

17,42%

17,16%

15,06%

15,06%

Costs which are borne by the user, are known at the time of publication and are included in the calculation of the effective interest rate

1 bill of exchange

Credit bureau report

50 RSD

246 RSD

* Individual who does not receive a salary or pension through the current account at Banca Intesa.

**Harmonization of the value of 6M BELIBOR is performed on a six-moth basis (on May 25 and November 25) with the value of 6M BELIBOR on the last day in previous month (April/ October). When presenting the interest rate, 6M BELIBOR was applied as of October 31, 2018 being 3.14%.

You can receive other calculations regarding this product in any of our Bank branches.

Loan calculator

Amount
(RSD)

Number of instalments

Instalment amount (RSD)

To apply for a loan all you need is your personal identity card and, depending on your employment status, the following documents:

Employed individuals: certificate of employment and income size

Self-employed individuals: A certificate by the authorized Tax Administration that there are no outstanding liabilities arising from income tax and other public revenues, as well as the following documents:- in case of a lump sum taxed entrepreneur - tax return form for lump sum taxed entrepreneurs (form PPDG 1P) and a decision report on income tax- in case of a self-taxation - tax return form for entrepreneurs for whom the tax is determined by self-taxation (form PPDG 1S)- if the entrepreneur opted for the payment of personal salary they need the last three tax return forms (form PPP PD 1). Along with the aforementioned, we require a bank statement for the account to which the salary is being paid out (containing information on payments for the last three salaries) and a certificate of employment, as well as the size of the salary (Bank form).